Looking at the paper recently I have noticed a lot of talk about the savings rate in the United States and how it will affect our rebound from the “Great Recession”. First, I’ll discuss what the savings rate is and how it is calculated and go on further to explain why it may or may not matter.

Below is a list of trees that will grow in zone 8b (USDA Hardiness 15 to 20 degrees Fahrenheit, Austin, TX to Gainesville, FL). I've put together this list for those interested in beginning to research an orchard or...